Lumbayar.

favorite Made for everyday IOUs

Know what's settled.
Remember what's not.

The ultimate personal debt tracker built for everyday Malaysian IOUs, e-wallets and friendly reminders.

Keep track of money you lend or borrow without a spreadsheet. Lumbayar keeps the amount, person, date and repayment history together, so nothing gets lost in old messages.

download Get it on Google Play See how it works south
lock Local-first translate BM & English currency_exchange Multi-currency
Lumbayar dashboard with realistic lending and repayment records
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Gentle remindersShare with your DuitNow QR
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Your records, your controlLocal-first and private
1 placefor every personal IOU
5 clear viewshome, people, activity, analytics, more
Fewer awkward chatswith clear, friendly reminders

Everything stays clear

From “I’ll pay you later” to settled.

Made for everyday loans between friends and family, from the first payment to the final repayment.

Lumbayar transaction type chooser for lending, borrowing, repayments and split bills
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Start simply. Stay organised.

Choose how the money moved, add the person and amount, then save. Lumbayar keeps each balance clear without turning a small favour into bookkeeping.

  • Loans out and money borrowed
  • Full, partial and shared repayments
  • Notes, attachments and receipt scanning
Lumbayar analytics with net balance, loan totals and transaction mix
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See the whole picture.

Net balance, total loans out, highest exposure and transaction mix sit together in a design that stays useful at a glance.

  • Dynamic charts by 1M, 3M, 6M, 1Y or all time
  • User, summary and account reports
  • Per-currency records and trends
Editable Lumbayar reminder preview with an attached DuitNow QR code
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Remind kindly. Get paid easily.

Save your DuitNow QR and share a pre-filled reminder through WhatsApp, Telegram or any Android sharing app.

  • Friendly editable message template
  • QR image included when you share
  • Clear amount, title, date and optional note

The awkwardness solver

“Bro, remember the RM50 from yesterday?”

Skip the awkward conversation. Generate a polite, pre-filled reminder complete with your saved DuitNow QR image, then share it to WhatsApp or another messaging app in one tap.

  • Amount, title and date filled in for you
  • Add a personal note before sending
  • Your own DuitNow QR travels with the reminder
Reminder previewPreview and edit before sharing
edit

Hi Amir! Just a reminder that I lent you RM50.00 for Food on 2026-07-28.

Note: Lunch at the office

You can pay me back via DuitNow whenever you're ready. Thanks! 😊

qr_code_2Your saved DuitNow QR
share Share reminder

The useful details

Everything you need for everyday records.

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Lend & borrow

Record money lent, borrowed, repaid, shared or partially paid with a clear history.

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People-first

See balances, reminders, notes and payment history for each contact.

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DuitNow reminders

Attach your QR and share friendly payment reminders through native messaging.

monitoring

Analytics

Understand net balance, loans out, highest exposure, statuses and trends.

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Accounts

Track cash, banks and e-wallets. Free includes one account; Pro unlocks more.

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Branded reports

Generate user, summary and account transaction reports in Lumbayar’s style.

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Smart records

Add attachments, scan receipts and keep supporting notes beside each transaction.

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Your look

Choose from multiple colour themes plus light and dark appearance.

Made to be shared

A proper report, not a plain data dump.

Lumbayar turns your records into a clean, branded report that is easy to read, save and send. Choose the dates, sorting and details you need, then export when you are ready.

  • PDF and Excel formats
  • Clear totals, dates, notes and transaction details
  • A recognisable Lumbayar layout on every page
Example of a generated Lumbayar report
Example Lumbayar report

Privacy by design

Your records stay in your hands.

Lumbayar is a personal record keeper. It is not a bank, lender or debt collector. Your working records stay on your device, and you decide when to back them up or share them.

smartphone Local-first storagefingerprint Optional biometric lockcloud_upload Manual Google Drive backup included
Read the Privacy Policy arrow_forward
Manual and automatic Google Drive backup controls in Lumbayar
Lumbayar PRO

Every plan unlocks the same Pro tools.

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No advertisingA clean, distraction-free experience
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Multiple accountsCash, banks and e-wallets
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Unlimited exportsBranded PDF and Excel reports
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Automatic backupSet-and-forget Google Drive protection
MonthlyYearlyLifetime
Secure checkout and localised prices are shown by Google Play.

Lumbayar Pro

Choose how you want to go Pro.

Every paid option unlocks the same complete Pro experience. Pick a flexible subscription or pay once for lifetime access.

  • No ads anywhere in Lumbayar
  • Multiple cash, bank and e-wallet accounts
  • Unlimited branded PDF and Excel exports
  • Automatic Google Drive backup
Yearly launch priceRM 24.99RM 59.99 per yearSubscribe

Early yearly subscribers keep their RM24.99 renewal price while that subscription remains active. Monthly and yearly subscriptions can be cancelled through Google Play. Lifetime is a single payment. Purchases support independent Malaysian software development.

Free or Pro

Useful from day one.

FeatureFreePro
Monthly, yearly or lifetime
Lend & Borrow RecordsUnlimited entriesUnlimited entries
Contacts & PeopleUnlimited contactsUnlimited contacts
Accounts Tracking1 Account
Cash or bankMultiple Accounts
Cash, banks and e-wallets
Google Drive BackupManual backup clickSet-and-forget auto backup
ReportsView on screen
One PDF export after an optional rewarded adUnlimited branded PDF & Excel export
AdvertisingLight ads on selected screensCompletely ad-free

Available now

Ready when your next “lumbayar?” happens.

Scan the QR code or tap below to download Lumbayar directly from Google Play.

play_arrowGet it onGoogle Play

Lumbayar 1.0.0 · Android first · iOS coming soon

QR code for Lumbayar Google Play store listingGoogle PlayScan to download
QR code for Lumbayar iOS download pageApp StoreComing soon

Good to know

Questions, answered clearly.

No. Lumbayar is a personal record-keeping app. It does not move money, lend funds, collect debts or provide financial advice.

Your working records remain on your device. A copy leaves the device only when you create a backup, export a report or share something yourself.

Manual backup is free and does not require a Google account. Lumbayar creates a backup file and opens Android’s sharing menu, where you choose where to save or send it, including Files, a messaging app or Google Drive if installed. The latest manual backup date is shown in the app.

After you sign in with Google, tap Back Up Now to save a copy in Lumbayar’s private Google Drive app-data folder. It is hidden from the normal My Drive file list and is used by Lumbayar for restoration. Manual Google Drive backup is free; Pro adds automatic backup. The app also shows the latest Google Drive backup information.

Unlimited lending and borrowing records, unlimited contacts, manual reminders, one account, on-screen reports, DuitNow QR sharing and manual Google Drive backup. The Free experience is supported by light advertising on selected screens. You can also choose to watch a rewarded ad for one PDF export.

Free and Pro use the same app, and Google Play handles checkout securely. The full prices are RM6.99 monthly, RM59.99 yearly, or RM169.99 for lifetime access. Every paid option unlocks the same Pro features: no ads, multiple accounts, automatic backup, and unlimited branded PDF and Excel exports. Launch note: yearly is currently RM24.99 and lifetime is currently RM139.99 for a limited launch period.